NRMA Travel Insurance


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NRMA Travel Insurance Policy Options

International comprehensive plan: The comprehensive plan offers you the peace of mind you need for your trip overseas, covering all the important aspects of your trip and more.

International essential plan: The essential plan takes care of all the essential insurance items while you are overseas, such as medical, hospital and dental expenses, luggage and personal belongings cover, and cancellations and delays.

Domestic comprehensive plan: Travelling within Australia is covered by the domestic comprehensive plan, covering you for cancellations, rentals vehicle excess, luggage and personal belongings

Benefits International Comprehensive Plan

(Single trip or Annual multi-trip)

International Essential Plan

(Single trip)

Domestic Comprehensive Plan (Single trip or Annual multi-trip)
Overseas medical and dental expenses Unlimited $10,000,000
Additional expenses Unlimited $10,000,000 $10,000
Amendment or cancellation costs Cover chosen Cover chosen Unlimited
Luggage and personal effects $12,000 $3,000 $8,000
Travel documents $12,000 $3,000
Delayed luggage allowance $1,000 $200
Money $200
Rental Car insurance excess $4000 $NIL $3000
Travel delay $2000 $2000
Resumption of Journey $3000
Special events $2,000
Hospital incidentals $8,000 $1,000
Hijacking $8,000 $2,000
Loss of income $9,000 $2,000
Disability $25,000 $10,000
Accidental death $25,000 $10,000 $10,000
Personal liability $2,5m $1m $5m

* Reduced limits may apply for travellers 70-years or over.

General Exclusions from all NRMA Policies

  •  Claims for costs outside of the insured period.
  •  Consequential loss of any kind, including financial loss or loss of enjoyment.
  •  Negligent behaviour resulting in loss of or damage to property, personal belongings, or bodily harm.
  •  Reckless behaviour as a result of drug or alcohol abuse.
  •  Claims as a result of war, hostility, invasion, military or other usurped power.
  •  Loss or damage caused by detention, confiscation or destruction by customs or other government officials.
  •  Claims as a result of any unlawful act committed by you.
  •  Claims where advance warning was given and reasonable prevention could have been taken, such as natural disasters, terrorism, and health concerns.
  •  Pregnancy after the 24th week.
  •  Claims arising from your suicide or attempted suicide or other bodily harm.
  •  The insolvency of a travel agent, airline carrier, tour operator, rental vehicle agent, or other service providers, resulting in their failure to provide a service.
  •  Claims as a result of participating in high-risk activities that are not covered by your policy.

Pre-existing Medical Conditions Covered by NRMA

NRMA travel insurance does not cover some pre-existing medical conditions and an extra premium may be necessary for certain conditions. Some conditions are automatically covered and have been listed below.




Bell’s Palsy


Carpal Tunnel Syndrome

Cataracts Glaucoma

Coeliac Disease

Congenital Blindness

Congenital Deafness

Ear Grommets


Gastric Reflux


Grave’s Disease


Hiatus Hernia

Hip Replacement

Knee Replacement

Shoulder Replacement

Hip Resurfacing

Hypercholesterolemia (High Cholesterol)

Hypertension (High Blood Pressure)

Hyperthyroidism (overactive thyroid)

Hypothyroidism (underactive thyroid)



Peptic Ulcer

Gastric Ulcer

Plantar Fasciitis

Raynaud’s Disease

Skin cancer

Trigger Finger

Urinary incontinence

NRMA Claims Process

  •  Report any incidents involving theft or loss of luggage, personal effects or travel documents to the police within 24-hours of the incident taking place.
  •  You must take reasonable steps to prevent making a claim or minimising the claim.
  •  Do not make any offers of payment, or admit any liability without written consent from the provider.
  •  You must cooperate fully with your claim assessment and provide all the necessary information for your claim.
  •  Log in to your account online and start a new claim.
  •  Describe the reason for your claim.
  •  Submit all relevant documentation, including receipts, police reports, medical bills, or other proof of expenses.
  •  Provide your banking details for refunds.

NRMA Contact Details

Underwriter Zurich Australian Insurance Limited
Enquiry Number 1300 305 790
Claim Number 1300 135 640
24-hour Overseas Emergency Number New Zealand: 0800 033 533

UK: 0800 656 9946

USA: 1855 812 4898

Canada: 1855 812 4898

Other Countries: + 61 (0) 2 8907 5584

Compare travel insurance with Travel Insurance Direct (TID) travel insurance.